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If you're looking for like ONE thing, then epass -- but, there are ways to get more "custom" for particular countries, currencies and systems. In practice, having operated a large program that was just instituting epass, I would say I loved it. The epass decision was made to address the needs of those having trouble with wires, or too small to justify wire expense, or from a place where the physical takes weeks.
2hp
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tada!
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